about the aUtHOr
Recognized as a thought leadeR
in the credit industry, Philip Tirone speaks
nationwide on the problems with our credit
scoring system and how it erroneously burdens
After closing $500 million in residential home financing, Philip
became attentive to the thousands of dollars in extra interest payments
being wasted by Americans because of their credit scores. His mission is
clear: educate Americans on how to increase their monthly disposable
income without changing their lifestyle, simply by understanding the
credit scoring process.
Realizing the strain this lack of credit transparency has on the
American financial system, Philip has made a personal commit-
ment to show consumers how to navigate our credit system
until our credit laws are changed and are fair to consumers.
Philip’s book 7 StepS to a 720® Credit SCore, dispels the misconceptions
around our credit-scoring system and guides consumers who are strug-
gling with bankruptcy, foreclosure, short sale, divorce, and many other
experiences that impact a person’s credit score.
Philip and his programs have been featured in the Los Angeles Times,
Wall Street Journal, Woman’s World Magazine, San Francisco Chronicle,
Bottom Line Magazine, and the New York Times bestseller “Secrets of the
Young & Successful.” Additionally, Philip has been a frequent guest lec-
turer at UCLA Anderson School of Business and Management.
Philip currently resides in the Los Angeles area with his wife and
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